A digital-asset wealth platform

Earn, borrow, and spend crypto. All in one place.

Run by a professional trading desk — the same one that manages our founders' own capital.

In plain terms: deposit crypto, earn a variable yield every day, borrow against your balance without selling, and spend it like cash.

Earn up to 38% a year
on crypto and dollars left idle — depending on your tier. Hold it, borrow against it, spend it; it keeps earning until you do.
Variable target yields of 23%–38% by tier. They reflect actual performance and move with market conditions.
Open an accountProject your returns
$0.0Bn
our capital, beside yours
0 yrs
combined capital-markets experience
0
Americas · Europe · UAE
Supported assets
BTC···
ETH···
USDT$1.0000+0.00%
USDC···
SOL···
BNB···
XRP···
+ 40 more
The thesis

Most crypto just sits there, doing nothing. Yours shouldn't. Put idle holdings to work — earning a variable yield, backing a credit line, ready to spend — without giving up ownership.

I — the account

One account. Earn, borrow, spend.

IEARN

Hold & grow

Put crypto and stablecoins to work at competitive, variable yields.

  • — Flexible, no lock-up
  • — Fixed terms for more
  • — Paid and compounded daily
IIBORROW

Liquidity, no sale

Draw a credit line against your portfolio in minutes.

Your crypto acts as collateral, like a mortgage uses a house. You stay invested and keep earning while the loan is open. If the value drops significantly, we alert you well before any action is taken.

  • — No credit checks
  • — Up to 50% of value
  • — Repay on your terms
IIISPEND

Use it like cash

Pay where crypto is accepted and earn a rebate back.

  • — Spend without selling
  • — Rebate into your account
  • — Balance keeps earning
Dollar Vault · part of Earn

Hold your money in dollars. Earning, and always yours.

Keep your balance in dollar-pegged stablecoins. It earns a variable yield, holds its dollar value, and you can move it out whenever you want.

Stays in dollars?

Your balance tracks the US dollar. Local currency swings don't erode what you've saved.

Earns a variable yield?

Idle dollars work for you every day. The rate reflects actual performance and moves with market conditions.

Withdraw anytime?

Flexible balances leave whenever you want: to your bank, another wallet, or another asset.

Typical local-currency loss / yr
−15–30%
illustrative · varies by market
Dollar Vault yield
variable
reflects actual performance
Open a Dollar Vault
II — project it

See it compound.

Projected value
$14,077
+$9,077
gain

Adjust the rate to match your own expectations. Actual returns are variable and reflect real performance.

III — the advantage

Your collateral keeps working.

Borrow against your assets while they keep earning. Growth and liquidity at once. One balance, two jobs.

I
Earning balance
Accruing yield daily
working
II
Same balance, as collateral
Secures your credit line
working
III
Loan drawn
Spend, withdraw, repay anytime
liquid
IV — the approach

Total transparency. How your money works.

I

Active trading

Professionals trading gold, FX, equities and crypto — two decades at the desk.

II

Secured lending

Interest from over-collateralized member loans, guarded by auto-liquidation.

III

Network fees

A measured share of spending and transactions across the platform.

TradingSecured lendingNetwork feesillustrative blend
$1.5Bn
beside yours

Our own capital sits in the same strategy, on the same terms. We win only when you do.

V — the safeguards

Built like a vault, not an app.

Licensed by CIMA

Operated by Perdura Capital Market Inc — a CIMA-licensed Securities Investment Business / VASP (Licence No. 2038223), verifiable on the CIMA register.

Hardened platform

Row-level data isolation, encrypted document storage, least-privilege access, and 2FA — security enforced at every layer.

Over-collateralized

Every loan is backed by more than its value, with automatic liquidation.

Aligned capital

Our $1.5B rides in the same book — we earn the same way you do.

See our full security approach, with live status
VI — membership

The longer you stay, the more it returns.

Steward
Entry
$1,000 – $10,000
up to 23%variable target yield / yr
  • Earn, borrow & spend
  • Flexible & fixed yields
  • Standard borrow rates
Custodian
Preferred
$10,000 – $50,000
up to 32%variable target yield / yr
  • Higher yield tiers
  • Lower borrow rates
  • Priority support
Patron
Private
$50,000 +
up to 38%variable target yield / yr
  • Best available terms
  • A dedicated manager
  • Bespoke strategies
VII — questions

The things worth asking.

Three real engines: professional trading across gold, FX, equities and crypto; interest from over-collateralized member loans; and a share of network and spending fees. No single source carries it, and none of it depends on new deposits.

Returns are variable and reflect actual performance — you see the true result, up or down. Our own $1.5B is in the same strategy, so a weak year costs us alongside you.

Your account is protected by two-factor authentication, withdrawal-address whitelisting, row-level data isolation, and encrypted storage, and lending is over-collateralized with automatic liquidation. Perdura Capital Market Inc is CIMA-licensed (No. 2038223). See our security page for the full picture.

Flexible balances can be withdrawn at any time. Fixed-term balances pay a higher rate in exchange for committing for the chosen period — the choice is always yours.

Yes. Perdura Capital Market Inc is licensed by the Cayman Islands Monetary Authority (CIMA) as a Securities Investment Business and Virtual Asset Service Provider (Licence No. 2038223), verifiable on the CIMA public register. We pursue additional local registration as we open in new regions.

Wealth measured in decades.

Open an accountProject your returns